IndianOil RBL Bank XTRA Credit Card vs IndianOil Axis Bank RuPay Credit Card vs IndianOil HDFC Bank Credit Card
A detailed, side-by-side look at 3 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Fees & Charges
Joining Fee
₹1,500 + GST
₹500 + GST
₹500 + GST
Renewal Fee
₹1,500 + GST
₹500 + GST
₹500 + GST
Spend Based Waiver
Annual Fee Waiver on Spends of ₹2.75 Lakh.
Annual fee waived on annual spending of Rs. 3,50,000 in a card anniversary year.
Joining fee waived on ₹20,000 spend in 90 days. Renewal fee waived on ₹50,000 annual spend.
Foreign Transaction Fees
3.5%
3.5% of the transaction value.
3.5% markup on all international and cross-currency transactions.
Interest Rate (APR)
2.5% to 3.99% Per Month
3.75% Per Month (55.55% Per Annum) on retail purchases and cash advances.
3.75% per month (45% per annum) on revolving credit balance.
Rewards & Benefits
Welcome Bonus
Get 3,000 Fuel Points (worth ₹1,500) on spending ₹500+ within 30 days of card issuance.
Earn up to 1250 EDGE REWARD points (worth ₹250) on first fuel transaction within 30 days of card issuance.
Complimentary IndianOil XTRAREWARDS Program (IXRP) membership on joining.
Rewards Rate
Earn 15 Fuel Points for every ₹100 spent at IndianOil fuel stations (7.5% reward rate).
Earn 20 pts/₹100 on fuel (IOCL), 5 pts/₹100 on online shopping, 1 pt/₹100 on other spends.
Earn 5% Fuel Points on IndianOil spends, groceries & bill payments; 1 FP for every ₹150 on other spends.
Reward Type
Reward Points
Reward Points
Fuel Points
Reward Redemption Fee
₹99 + GST
INR 99 per transaction on the EDGE REWARDS platform.
₹99 + GST applies for reward point redemption.
Travel & Lifestyle
Domestic Lounge Access
Not applicable
Not Applicable
Not Applicable
International Lounge Access
Not applicable
Not Applicable
Not Applicable
Travel Benefits
Not applicable
Instant savings up to 15% on flights & hotels via MakeMyTrip (Wednesdays).
Not Applicable
Movie Benefits
Not applicable
Up to 10% instant discount on movie tickets booked via BookMyShow app or website.
Not Applicable
Dining Benefits
Not applicable
Up to 15% off (max Rs. 500) on dining bills at partner restaurants via Axis Bank EazyDiner Program.
Not Applicable
Golf Benefits
Not applicable
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% Fuel Surcharge Waiver up to ₹200 Each Month.
1% waiver on fuel surcharge (transactions ₹400-₹4000), max ₹50 per statement cycle.
1% waiver on fuel transactions (min ₹400), capped at ₹250 per statement cycle.
Security & Other
Insurance Benefits
Not applicable
Not Applicable
Zero Lost Card Liability protection against fraudulent transactions upon reporting card loss.
Cash Advance Charges
2.5% of the Cash Amount or a Minimum of ₹500.
2.5% of cash amount (Minimum Rs. 500) for cash withdrawals.
2.5% of amount withdrawn, minimum ₹500, for cash advance transactions.